Buying individual private medical insurance, unlike some forms of insurance, is not an annual exercise, but should be considered as a long term decision. This is because almost impossible to move from one provider to another without the risk of accumulating medical exclusions with each move.
   
Product options range from traditional fully comprehensive plans to innovative part-funded schemes and prices vary accordingly. Candour, as independent specialist advisers, are able to guide you through the `minefield` of benefit packages, underwriting procedures, excess options and price variations to identify a plan which offers the desired level of cover at an affordable price.
   
Once the decision is made, we continue to oversee the enrolment process until your registration documents are issued and you are provided with a membership number and help-line numbers to establish contact with your chosen insurer. Candour will remain in the background to assist you with any difficulty in dealings with the insurer.